Siddharth Agarwal

Background

About Siddharth Agarwal

Experienced Sales & Lending Leader with 17+ years of expertise in Commercial Real Estate Lending, Mortgage Finance, Credit Underwriting, and Risk Management. Proven ability to originate, structure, and execute high-value real estate finance deals, driving portfolio growth, revenue expansion, and risk-adjusted returns. Currently leading North & East Zone’s Commercial Real Estate Lending portfolio at Bajaj Housing Finance Limited, specializing in business development, deal structuring, client relationship management, and portfolio optimization. Adept at implementing credit policies, delinquency management strategies, and fraud risk mitigation techniques to maintain high-quality asset performance. Key Achievements : Spearheading Commercial Real Estate Lending across North & East Zone, ensuring YoY portfolio growth Managing & executing high-value real estate finance transactions, handling deals worth INR 50 Cr+ per transaction. Leading & training high-performing sales teams, achieving record-breaking revenue growth through business development initiatives. Optimising lending policies & risk assessment frameworks, reducing delinquency rates and enhancing loan recovery strategies. Developing high-impact sales & business strategies, significantly increasing loan disbursement volumes and expanding market share. Skills & Expertise : Commercial Real Estate Lending (CRE Lending) Mortgage & Loan Structuring (Lease Rental Discounting - LRD, Loan Against Property - LAP, Construction Finance - CF) Business Development & Sales Strategy Portfolio & Credit Risk Management Deal Origination, Structuring & Execution Credit Underwriting & Due Diligence Client Relationship & Stakeholder Management Financial Analysis & Risk Mitigation Sales Team Leadership & Performance Optimization Passionate about scaling commercial lending portfolios, developing high-impact sales strategies, and driving business growth in real estate finance. Open to business collaborations, leadership roles, and industry networking in Commercial Real Estate Lending & Structured Finance.